Personal Finance & Investing

Every time I try budgeting, it feels too rigid, and I end up quitting. How do you make budgeting feel sustainable and even enjoyable? Any tools, apps, or mindset tips that helped you?

I don’t have a lot to invest, but I want to get started and learn. If you had just $100, where would you invest it to see growth and learn the basics—stocks, ETFs, crypto, or something else?

If you have extra income, should you focus on clearing all debts (like student loans or credit cards) before investing? Or is it smarter to start investing early, even with some debt still unpaid? What worked for you?

I’m trying to be smarter with money, but I’m not sure what portion of my income should go into savings versus investments. How do you personally split your finances between short-term savings and long-term investing?

I have a few loans and credit card debt, but I also want to start investing for the future. Should I focus on clearing my debt completely before I invest, or is it okay to do both at the same time? What worked for you?

I’ve tried writing things down and using apps, but I keep forgetting or giving up halfway through the month. Is there a simple, low-effort budgeting method for someone who struggles with consistency?